Originally Posted By: Ethan1
Originally Posted By: Gasbuggy
Originally Posted By: Ethan1
Originally Posted By: Gasbuggy
You insured an OEM windshield, so you are owed one when it is replaced.
This is news to me. Are you a lawyer? If so, I will hire you to bring a class action lawsuit against the insurance industry on behalf of the nation's bodyshops and the motoring public.
Not a lawyer but I do think like one, seems like a very rational thought to me. If you lost a Michelin tire in an accident would you have to take a off brand replacement? No. Though if you let them that is on you. I don't see how you can file a lawsuit over people not being their own advocate and verbalizing what they want. Also can't blame satelite for suggesting alternatives that save you or your insurance company money while providing a larger profit margin to them.
I've had 4 windshields replaced with OEM glass. I also have 1 Safelite house glass and it seems fine. I blasted a deer a few years ago and it hit the windshield, it did not break.
Read your insurance policy. If it's a first-party claim, you're going to take whatever parts the insurance company specifies unless you have an OEM endorsement on your policy. You can also pay the price difference. If there are deficiencies with the part, as I mentioned above, you may also get the part changed to OEM after the fact (hopefully you're not in a hurry to get your car back).
In the case of a third-party claim, you have a lot more latitude. You could pay for repairs out-of-pocket and sue the other driver to recoup your costs, or simply float that idea if the adverse carrier balks at OEM parts.
I certainly wish that these things were as simple as you seem to believe.
Simple as I believe is not a correct statement. That implies that I arbitrarily think it is this easy. Simple as it has been is more accurate. I shared my own experience. All my claims were first party through a standard Allstate policy which I bet has no OEM replacement obligation. $50 deductible. In my cases it doesn't take magical powers to get an equivalent windshield for replacement. I'm sure certain companies are strict but in my opinion where there is a will there is a way, most of the time. You're better off starting out with the mindset that you're going to get what you want rather than wondering what they'll give you.
Even if my company said no I bet I would still get OEM glass. First I would go after the equivalence. If it came down to it I would find out if my insurance company would like to lose about 5 policies over the difference in cost of a new windshield. Maybe they do it, maybe we agree to split the difference.
I've never had to actually ask my insurance company about glass. I usually call my agent up and tell him I'm going to get a windshield replaced through Safelite. He says thanks for letting me know. Then I call Safelite and they handle everything relating to your insurance company. Maybe with their relationships, knowing I want OEM, they just push it through. I've told other people I know to specify and so far no one has been turned down, that is a small number of people though.